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    Dog walker insurance is specialized commercial insurance for people who professionally walk dogs. In order to protect against the various risks that dog walkers face, policies normally come as package policies and have multiple coverages bundled together.

    • ull-time dog and part-time dog walkers
    • Individuals who walk dogs irregularly as a side hustle
    • Businesses that employ multiple dog walkers
    • Pet sitters who walk the dogs that they watch

    • General Liability Coverage
    • Commercial Auto Coverage
    • Animal Bailee Coverage

    What is Dog Walker Insurance?

    Walking dogs has become a profitable side hustle and even full-time business for many Massachusetts residents, but the work isn't without risk. As benign as walking dogs might seem, potential dog injuries, dog attacks and other incidents all present possible risks. People in this line of work must protect against the risks they face, and that's what dog walker insurance is designed to do.

    Dog walker insurance is specialized commercial insurance for people who professionally walk dogs. In order to protect against the various risks that dog walkers face, policies normally come as package policies and have multiple coverages bundled together.

    Dog Walker Insurance Massachusetts

    Who in Massachusetts Should Carry Dog Walking Insurance?

    Most people who professionally walk dogs in Massachusetts ought to carry dog walking insurance.

    This generally doesn't include anyone who walks dogs for family, friends or neighbors without pay, even if the walks are regular. Anyone who does receive compensation for walking a dog, however, is likely enacting a commercial transaction and probably should have dog walking insurance. Even if it's a family member, friend or neighbor who's paying, insurance is normally recommended whenever money exchanges hands.

    The following are a few examples of people and businesses that walk dogs, and therefore might want dog walking policies:

    • Full-time dog and part-time dog walkers
    • Individuals who walk dogs irregularly as a side hustle
    • Businesses that employ multiple dog walkers
    • Pet sitters who walk the dogs that they watch

    Anyone who's not sure whether this insurance is right for them should speak with an insurance agent who specializes in dog walking insurance. A specialized agent will be able to determine whether this or another commercial insurance option is better in a given situation.

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    • I love Paul Murphy insurance. I have been a customer since 2004 upon first getting my license. I wouldn't dream of working with any other insurance agency. Paul Murphy insurance as far as I'm concerned is part of my family. I do more personal registration and insurance transactions through them per year then any normal sane human being should be a part of. They have known me on a first name basis for quite a while and know exactly what it means when I walk in the door. They have been above & beyond helpful and I've learned so much from them. I'll bet my bottom dollar when they see this review they'll know who this is. Have a wonderful day Paul Murphy crew you'll probably see me in about 2 months.

      Sikla wolfy, Google Review

    • We had an absolutely fantastic experience with this company. They truly are a one-stop-shop, sorting out every single thing from car and house insurance to even managing the process of getting our plates directly from their office. This is an excellent, all-encompassing business; you simply can't go wrong choosing them. They are our exclusive insurance provider in New England.

      DC, Google Review

    • I've been with Paul T Murphy since 2005. My home, car and business liability insurance has gone through this agency. I've had a series of unfortunate matters over the past 2 years and they've helped me every step of the way. Stephanie is my usual point of contact. She is encouraging, caring and extremely informative. She always gets me the answers I need. Whatever help I need, she is always willing to provide support and instruction. Most importantly, she cares. She often just asks how things are going and provides warm customer service.

      Nika Hollingsworth, Google Review

      Winchester, MA

    • I have been with Paul T. Murphy insurance for years. I have recommended several friends and family members who are very happy with this company. We have our home ins., Liability ins., commercial vehicle coverage and also our personal auto coverage. Just recently my husband was involved in an accident and I was getting no where with the insurance carrier so I called Greg. He did everything he could for us. In the end it worked out due to him and all his hard work. I have also worked with Brian and Du on numerous occasions. They have always worked so hard at getting us the best insurance coverage for a best rate. The customer service there is a 5 star!

      Erin McCabe, Google Review

    • Paul T Murphy Insurance is like having a team of friends in your corner who are always there when you need them. The entire staff is genuinely sincere and incredibly responsive, especially my agent, James. He’s a total pro—always on top of things, super informative, and makes everything easy. Whether it’s a quick question or something more urgent, they’re always ready to help. Can’t recommend this group enough for all your insurance needs!

      Pat McCarthy,Google Review

    • I’ve been a customer of Paul T Murphy Insurance for almost 20 years and have never had to worry about my insurance needs because they always go above and beyond. The staff are incredible and work tirelessly to ensure that they do their very best to support each and every one of their customers. I’ve never encountered a more helpful staff that work around the clock to get the best rates and ensure their customers are happy and taken care of with the best coverage!

      Lindsay Porziella, Google Review

    • James at Paul T. Murphy insurance company was amazing to work with! He helped my husband and me out with our auto and home insurance and was able to save us money for a better policy than our current provider. He was prompt to respond and answered all of our questions! I am so impressed with his knowledge and expertise in the insurance industry! Thank you James

      Ashleigh Cregan

    • Paul Murphy Insurance is the best. The people I've had the pleasure of dealing with were professional, helpful, friendly, made sure that all my questions were answered, and were able to find the best policies for my needs. Most recently, Stephanie, went above and beyond to take care of my issues. I definitely recommend them.

      Jessie Bowen

    • Paul Murphys is the best of the best! Steph is amazing and so sweet! I got into an accident last year and she was there to help with any questions I had and always called to keep me updated and keep in the loop with everything. She makes sure I get the best deal and on top of it all

      Anna Marguerite

    • I’ve only been working with Paul T. Murphy insurance for a short time and I can say with confidence, I made the right choice by choosing their agency. My agent Mike Kulch has been extremely helpful, informative, and always follows up quickly. Sherri in customer service has also been great to work with. As soon as I answered her questions and sent my documents I had a quote within minutes. Thank you Mike and Sherri for helping me lower my home owners insurance

      Ashlyn Tuffy

    What Coverages Are Available Through Dog Walker Policies?

    Coverage choices may vary from one dog walker policy to another, but there are several protections that many policies offer:

    • General Liability Coverage, which may cover commonplace accidents affecting third parties
    • Commercial Auto Coverage, which may cover a business-owned vehicle
    • Animal Bailee Coverage, which may cover animal injury, death and loss
    • Lost Key Coverage, which may cover rekeying expenses if a key is lost
    • Errors and Omissions Coverage, which may cover incorrect advice given to clients

    Errors and omissions coverage is frequently shortened to E&O coverage.

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    Do Dog Walking Policies Offer Workers Compensation?

    Workers' compensation usually protects against workplace injuries, which are an obvious concern when handling unfamiliar dogs. Most businesses that have employees are required to purchase the coverage, and self-employed dog walkers might also want the coverage. 

    In the case of a self-employed business owner, workers' compensation might fill in a gap that's left by many health insurance policies. Health insurance often doesn't cover workplace injuries, which is where workers' compensation may be helpful.

    Regardless of whether it's purchased for employees or self-employed, though, workers' compensation isn't frequently a coverage that's made available through dog walking policies. Instead, it's more often purchased via a separate workers' compensation policy that provides one coverage. Workers' compensation policies are readily available, and any agent that assists with dog walking policies should be able to help with workers' compensation as well.

    Dog Walker Insurance Massachusetts

    How Much Are Premiums for Dog Walking Policies?

    Premiums for dog walking policies tend to be affordable, although rates do differ among policies and situations. A few factors that typically impact cost are a dog walker's location, services offered, size of business and past claims history. Coverage selection also impacts a policy's premiums, of course.

    Dog walkers can easily and quickly get customized quotes by talking with an independent insurance agent. Independent agents are free to show policy options from most insurance companies, which makes it easy to see what each company will charge in light of these (and other) factors.

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    How Can Massachusetts Dog Walkers Get Good Dog Walker Insurance?

    For help finding dog walker insurance in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents will work closely with you to determine coverage needs, and then we'll help you find the best policy that provides those coverages.

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    Paul Murphy Insurance • 628 Broadway, Rt 99 Malden, MA 02148 • 781.321.9700


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    This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.

     

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